ZIP 97364 Foreclosure, Tax-Lien & Distress Report

On DLRadar's 0-100 public-record scale, ZIP 97364 in Lincoln County, Oregon comes in at 28, a low composite-distress reading. The pressure is most legible in structural risk (61/100), institutional ownership (44/100), construction/permit lag (39/100). construction/permit lag (39/100) and mortgage stress (20/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (88/100), flood (NFIP) exposure (70/100). Structurally it carries 61/100, against 6/100 of stress already in motion.

Prices here sit in a peak phase: values rose 1.2% over the trailing year, and 36% higher over three years, at 9/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

At $60,446, median income runs below typical U.S. levels. Around 26% of renters are cost-burdened. The tenure split is 58% owner-occupied to 42% rented. About 7% have a four-year degree. Roughly 5.5% live below the poverty line, a low share typical of higher-equity areas. The ZIP holds roughly 333 housing units. On demographic stress specifically, 97364 scores 47/100. 637 residents call 97364 home, typically aged 39. The vacancy rate is 32.3% — elevated. Home values center near $530,300, an affordability ratio of 8.0× — stretched.

Taken together, 97364 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 97364 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

The number is not local guesswork: 97364's 28/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 97364 shows blanks, not estimates, wherever the record is sparse.

Behind 97364's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. The point of the 97364 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.